Murfreesboro Office ♦ 522-B Brandies Circle, Suite 1 ♦ Murfreesboro, TN 37128 ♦ Phone: 615.893.4025 ♦ Fax: 615.893.4069 OUR OFFICE — OUR SERVICES — OUR PEOPLE WHAT WE DO Since our beginning in 1979, Evergreen Consulting has been committed to meeting the insurance and investment needs of our
clients. Over this period, we have built an excellent reputation of providing outstanding service to individuals, families
and business owners.
In today's world of financial complexity, you need reliable tools that provide solutions. We operate as a team of specialists
working together to address your financial needs. Our team approach makes us more accountable to your specific needs. Evergreen
Consulting is dedicated to putting together a sound strategy that will take care of you not just for today, but well into
the future.
Great changes have occurred in the employee benefits industry. Rising healthcare costs mandates effective benefit program
management. To accomplish this, we work together to control utilization, review the selection of the providers, and help make
decisions that profoundly affect profitability as well as the quality of healthcare received by employees.
We provide services that include: Profit focused businesses recognize the limitations associated with purchasing healthcare services in the same manner that
was standard less than a decade ago. It is painfully cost prohibitive. All organizations in the healthcare delivery systems
industry share the common goal of increasing accessibility, affordability, and quality. We focus on Employee Benefit Management.
This provides our client businesses with an affordability opportunity, which allows other important issues to be addressed
by their "in-house" administrator. We handle interactions with external vendors, coordinate information reports, monitor benefit
regulations, and respond to employee questions about benefits and claims. In most cases, a single inquiry will address any
plan with quick, consistent information from courteous, well-informed employees.
A More Rational Approach To Benefit Planning Companies are compelled to provide more than just a paycheck to their employees. The need to RECRUIT, RETAIN and RETIRE high
quality employees has never been greater. Many employers also feel a social or moral obligation to their employees and their
families. Whatever the motivation, employers can and do provide many employee benefit programs as additional, non-taxable
compensation.
The Planning Process The Communication Process We know that communication is essential to the success of your benefits program. Once a plan design is developed, we begin
the communication process. We consult with you to determine your communication needs.
Whatever the form of communication; multi-media or video presentations, Internet, intranet, or customized printed materials,
we have the expertise and the resources to help meet your needs. We talk to your employees, either in one-on-one meetings,
or group settings, presenting information in the simplest way possible to help your employees fully appreciate their entire
compensation program.
Our Commitment to You Our entire staff is dedicated to maintaining the highest degree of ethical and professional behavior in all of our relationships.
We will take the time to understand each client's unique needs and circumstances. Our goal is to maximize the value of each
dollar allocated to employee benefits by our clients. We offer a staff of knowledgeable and dedicated professionals whose
only job is to make sure that the analysis, planning, implementation and administration of your employee benefit plan is handled
correctly.
OUR SERVICES We at Evergreen Consulting provide full service employee benefits and financial services to our clients. We strive to provide
"value added" services for our clients. The following is a list of services that Evergreen Consulting provides.
Broker Services: Administrative Services: Enrollment Services: Enrollment Planning: Employee Benefits Communication and Education: Additional Services: Group Benefits: *Securities Offered Through M Holdings Securities, Inc. A Registered Broker/Dealer and Investment Advisor, Member NASD/SIPC.
Evergreen Consulting is independently owned and operated. OUR PEOPLE Tom Provow, CLU, ChFC Tom has been a marketer with Evergreen Consulting, Inc. for the past 13 years. Mr. Provow is past President of Stones River
Country Club, Middle Tennessee Medical Center Foundation, Leadership Rutherford and Middle Tennessee Chapter of NAIFA. Tom
is also a member of AALU and Estate Planning Council of Middle Tennessee. Tom was recently honored with the Middle Tennessee
Medical Center Foundation's "President's Award" for outstanding service. Tom and his wife, Sandy, have two children, Spencer
and Abi and attend Belle Aire Baptist Church.
Registered Representative Offering Securities and Investment Advisory Services Through M Holdings Securities, Inc. A Registered
Broker/Dealer and Investment Advisor, Member FINRA/SIPC. E-mail: tprovow@evergreenci.com Jimmy McElhaney, Jr. Jimmy McElhaney, Jr. earned a Bachelor's of Science in Mass Communications from Middle Tennessee State University in 1992. Jimmy joined Evergreen Consulting, Inc. in October, 1996 and focuses his efforts in the group benefits arena which includes
Group Medical, Long Term Disability, Dental, 401(k) Plans as well as wealth transfer and business succession planning. He
has served as the AHIA Chair of Middle Tennessee Association of Insurance and Financial Advisors.
Jimmy and his wife Rachel have four children and are active in their church. Jimmy, who was a three year letterman in golf
at MTSU, remains active as an alumni at MTSU. Jimmy is a former golf professional and continues to enjoy playing competitive
golf.
Registered Representative Offering Securities and Investment Advisory Services Through M Holdings Securities, Inc. A Registered
Broker/Dealer and Investment Advisor, Member FINRA/SIPC. E-mail: jmcelhaney@evergreenci.com Mickie Dove Mickie Dove graduated from Middle Tennessee State University in 1981 with a business management degree, and has been a valued
employee of Evergreen Consulting, Inc. for the past ten years. She has been involved in all aspects of the insurance business,
including case design, underwriting and servicing existing clients. Dove specializes in Long-Term Care Insurance and has successfully
completed "Fundamentals of Long-Term Care Insurance" training given by nationally renowned specialist, Phyllis Shelton.
Mickie and her husband, Kevin have two children and live in Murfreesboro. E-mail: mdove@evergreenci.com Teresa Elliott Teresa Elliott began her insurance career in 1985. Teresa's insurance background has always been in the area of service, and
she handles service issues in the employee benefits arena. She is a firm believer that you must give value added service to
your clients, always willing to go above and beyond to get the job done.
Teresa began working for Evergreen Consulting in October 1998. She resides in Murfreesboro with her husband Bob and their
two children.
E-mail: telliott@evergreenci.com Joleen Geruntino Joleen Geruntino joined Evergreen Consulting, Inc. in June 2002. She enjoys coming to work to help our individual and group
clients. She also helps assist her co-workers with day to day operations. Her experience includes Customer Service, Payroll
and Employee Benefits. Joleen and her husband John are originally from Hamilton, NY. They have two daughters Janeen and Jillian
and have resided in Murfreesboro, TN since 1991.
E-mail: jgeruntino@evergreenci.com
WHAT WE CAN DO FOR YOU
Tom received his BBA from Middle Tennessee State University in 1978. That same year, he went to work for one of the largest
mutual life insurance companies. He earned numerous producer awards and was chosen several years as the agent's representative
to the company. Mr. Provow has now been in the life insurance business for over 27 years. He has been a member of the Million
Dollar Roundtable since 1979. Tom has earned both his Chartered Life Underwriter and Chartered Financial Consultant designations.
At that time, he was the youngest life insurance producer in the Middle Tennessee area to earn both of these designations.
